1. Appointment

This Agreement sets out the terms on which Vault may make certain Recommended Allocations for your Investment Strategy and execute your Investment Strategy on your behalf. This Agreement will become legally binding and we will start providing our services to you once we have received confirmation of your completed opening process Account and satisfactory anti-money laundering verification information.

  1. Vault provides you with a simple advisory service with a view to you investing your funds in recommended Investment Strategies. We will ask you certain questions about your financial circumstances such as your annual net income and liquid net wealth, to help us identify which Investment Strategy is suitable for you to invest in. We will not advise you on any existing investments you may currently hold, the efficiency of your approach to paying off any debts, tax efficiency or whether any particular income needs will be met. Should you need advice on your wider personal financial circumstances, you may contact your assigned personal advisor or one of our financial advisors at advisors@vaultwealth.com. In addition to this Agreement, which includes these Terms and Conditions, the terms of any Investment Strategy which you adopt and the IBKR Account Terms the terms of Vault’s Privacy Policy apply to you.

  2. You represent and warrant to us that you are:

    1. duly authorized to enter into this Agreement;

    2. over the age of 18;

    3. you have read and understood the User Guide, including the detailed contained therein relating to Investment Strategies, Investment Methodologies and Investment Execution;

    4. you are not a resident or citizen of, or the holder of a Green Card issued by, the United States of America; and

    5. the sole owner of the funds invested into the Account and are (subject to the provisions of clause 30 (Joint Accounts), the only person entitled to the funds and assets held in your Account,

    6. you will promptly notify us if any of these representations and warranties ceases to be true.

  3. It is important that you read and ensure you understand the User Guide, including the different Investment Methodologies and approaches to Investment Execution available at (link).

  4. You acknowledge that an investment carries with it the risk of loss to your capital invested. Furthermore, Vault gives no assurance or guarantees that the value of investments in your Account will not go down or that the investment held in your Account will generate either profits or income, or that any investment or savings goals you may have (even where you notified us of them) will be achieved.

  5. Vault does not provide you with any taxation, administration, legal or accounting services or advice.

  6. You acknowledge and agree that where we are required to do so in accordance with FSRA Rules, Vault may at any time cancel, suspend or restrict your Account to sell transaction only.

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